Plan

Why is having disability insurance important?

If you are unable to work due to illness or injury, disability insurance can help pay your most important expenses. These include: mortgage or rent, car payments, food, child care/tuition and utilities.

• Short-term disability insurance replaces a portion of your income during a disability which could last up to 26 weeks.
• Long-term disability insurance replaces a portion of your income during a disability that is expected to last for an extended period of time, typically longer than 90 days.

While many people think that disabilities are typically caused by accidents, the majority of long-term absences are actually due to illness.* A good rule of thumb is to protect 60-80% of your after-tax income. This will help you meet your most important financial needs.

Both plans offer:

• Direct payments: Receive a portion of your salary paid directly to you if you are unable to work after satisfying the initial elimination period. Short-term disability benefits pay weekly, while long-term disability benefits pay monthly.
• Easy claims filing: Report claims online or by phone.
• Competitive rates: This group coverage is offered only through your employer. LTD, option 3, premiums are paid by your employer.

Short-Term Disability

	Option A	Option B
Eligibility	All full-time employees working not less than 30 hours/week; seasonal employees hired prior to July 1, 2015 with 24 months of service and certified by his or her appointing authority to work at least 1,450 hours per fiscal year (July-June); or deemed eligible by applicable federal law, state law, or action of the State Insurance Committee.
% of Gross Annual Base Salary¹ Paid Weekly	60% of salary paid weekly
Maximum Weekly Benefit	Up to $2,500
Minimum Weekly Benefit²	$25
Elimination Period	14 calendar days	30 calendar days
Maximum Benefit Period	26 weeks
Evidence of Insurability3	Guaranteed issue (no health questions asked) for new hires who enroll within 30 days of eligibility date. A full Statement of Health is required for new applicants and for current participants in Option B electing Option A during the 2025 Annual Enrollment period.
Benefit Pre-existing Condition4	Benefits are not excluded due to a pre-existing condition.

Long-Term Disability

	Option 1 – Premiums Paid by Employee	Option 2 – Premiums Paid by Employee	Option 3 – Premiums Paid by State for Central State Government and State Higher Education Employees	Option 4 – Premiums Paid by Employee
Eligibility	All employees working not less than 30 hours/week; seasonal employees hired prior to July 1, 2015, with 24 months of service and certified by their appointing authority to work atleast 1,450 hours per fiscal year (July-June); or deemed eligible by applicable federal law, state law or action of the State Insurance Committee.
% of Gross Annual Base Salary¹ Paid Monthly	60% of salary paid monthly		63% of salary paid monthly
Maximum Monthly Benefit	Up to $7,500 per month (covers annual salary of $150,000)		Up to $10,000 per month (covers annual salary of $190,476.24)
Minimum Monthly Benefit2	Greater of 10% of benefit or $100 per month²
Elimination Period	90 calendar days	180 calendar days	90 calendar days	180 calendar days
Own Occupation	24 months	24 months	36 months	36 months
Maximum Benefit Period	Disabled prior to age 65, benefits end at Social Security normal retirement age. Disabled at age 65, benefits end after 24 months; age 66, 21 months; age 67, 18 months; age 68, 15 months; age 69+, after 12 months
Evidence of Insurability	Guaranteed issue (no health questions asked)
Benefit Pre-existing Condition 4	Benefits are not payable for a disability that results from a pre-existing condition if member has been actively at work for less than 12 consecutive months after disability insurance became effective.